₹500 SIP per month for 20 years
Investing ₹500 every month for 20 years means ₹1,20,000 paid in. At an assumed 12% a year it could grow to about ₹4,99,574. Returns are not guaranteed: the figures below are illustrations at 8%, 10%, 12% and 15%.
Returns are not guaranteed; these figures are illustrative. Mutual fund returns rise and fall with the market, and no fund returns the same percentage every month as this assumes.
₹500 a month for 20 years at different returns
| Return a year | Invested | Gains | Value |
|---|---|---|---|
| 8% | ₹1,20,000 | ₹1,76,474 | ₹2,96,474 |
| 10% | ₹1,20,000 | ₹2,62,848 | ₹3,82,848 |
| 12% | ₹1,20,000 | ₹3,79,574 | ₹4,99,574 |
| 15% | ₹1,20,000 | ₹6,37,977 | ₹7,57,977 |
The gap between 8% and 15% is ₹4,61,504 on the same ₹1,20,000 invested. Debt funds have historically sat towards the lower end of this range and equity funds towards the higher end, with far bigger swings from year to year; past performance does not indicate future returns.
Year-by-year growth
| Year | Invested | At 8% | At 10% | At 12% | At 15% |
|---|---|---|---|---|---|
| 1 | ₹6,000 | ₹6,266 | ₹6,335 | ₹6,405 | ₹6,511 |
| 2 | ₹12,000 | ₹13,053 | ₹13,334 | ₹13,622 | ₹14,068 |
| 3 | ₹18,000 | ₹20,403 | ₹21,065 | ₹21,754 | ₹22,840 |
| 4 | ₹24,000 | ₹28,363 | ₹29,606 | ₹30,917 | ₹33,022 |
| 5 | ₹30,000 | ₹36,983 | ₹39,041 | ₹41,243 | ₹44,841 |
| 6 | ₹36,000 | ₹46,319 | ₹49,464 | ₹52,879 | ₹58,560 |
| 7 | ₹42,000 | ₹56,430 | ₹60,979 | ₹65,989 | ₹74,484 |
| 8 | ₹48,000 | ₹67,381 | ₹73,700 | ₹80,763 | ₹92,968 |
| 9 | ₹54,000 | ₹79,240 | ₹87,752 | ₹97,411 | ₹1,14,424 |
| 10 | ₹60,000 | ₹92,083 | ₹1,03,276 | ₹1,16,170 | ₹1,39,329 |
| 11 | ₹66,000 | ₹1,05,992 | ₹1,20,425 | ₹1,37,307 | ₹1,68,237 |
| 12 | ₹72,000 | ₹1,21,056 | ₹1,39,371 | ₹1,61,126 | ₹2,01,792 |
| 13 | ₹78,000 | ₹1,37,370 | ₹1,60,300 | ₹1,87,966 | ₹2,40,742 |
| 14 | ₹84,000 | ₹1,55,038 | ₹1,83,420 | ₹2,18,209 | ₹2,85,953 |
| 15 | ₹90,000 | ₹1,74,173 | ₹2,08,962 | ₹2,52,288 | ₹3,38,432 |
| 16 | ₹96,000 | ₹1,94,895 | ₹2,37,178 | ₹2,90,689 | ₹3,99,347 |
| 17 | ₹1,02,000 | ₹2,17,338 | ₹2,68,349 | ₹3,33,960 | ₹4,70,054 |
| 18 | ₹1,08,000 | ₹2,41,643 | ₹3,02,784 | ₹3,82,720 | ₹5,52,128 |
| 19 | ₹1,14,000 | ₹2,67,966 | ₹3,40,825 | ₹4,37,663 | ₹6,47,395 |
| 20 | ₹1,20,000 | ₹2,96,474 | ₹3,82,848 | ₹4,99,574 | ₹7,57,977 |
Putting the number in context
- Inflation: at 6% a year, ₹4,99,574 in 20 years has the buying power of about ₹1,55,770 today.
- Time matters most: staying invested 5 more years (25 in all) at 12% takes the estimate to ₹9,48,818, on ₹1,50,000 invested.
- Costs and tax: the figures are before exit loads and capital gains tax. Direct plans have lower expense ratios than regular plans, which adds up over 20 years.
Other SIP amounts and periods
₹500 a month for
Other monthly amounts for 20 years
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance is not indicative of future returns. This page is for education only: the returns shown are assumptions, not predictions, and it does not recommend any scheme. EpiFive is not a SEBI-registered investment adviser or an AMFI-registered mutual fund distributor. Speak to a SEBI-registered adviser before investing.
Questions people ask
What will a ₹500 monthly SIP be worth after 20 years?
At an assumed 12% a year, about ₹4,99,574 on ₹1,20,000 invested. At 8% it would be about ₹2,96,474 and at 15% about ₹7,57,977. These are illustrations: mutual fund returns are not guaranteed and can be lower, or negative, over any period.
How much do I invest in total with ₹500 a month for 20 years?
₹1,20,000, paid as 240 monthly instalments. At 12% a year the estimated gain is ₹3,79,574, which would be 76% of the final value; the longer you stay invested, the larger the share that comes from compounding.
What is ₹4,99,574 worth in today’s money?
If inflation averages 6% a year, ₹4,99,574 in 20 years buys roughly what ₹1,55,770 buys today. Plan goals in future rupees, or raise the SIP each year to keep pace.